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- Insurance, by G. Amnéus
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INSURANCE
The first Norwegian fire insurance company, the «Kristiania
brandassurancekasse», was formed in 1752, but had already
ended its labours in 1827. In 1767, the government, in addition
to this, established a mutual company - «De norske kjøbstæders
almindelige brandforsikring», in which all town householders were
obliged to insure. In Kristiania, however, the householders might
also employ the local company. In the country there was no
compulsory insurance; and it was done away with in the towns in
1845, when «Landets almindelige brandforsikringsindretning for
bygninger» (the General National Institution for the Insurance
of Buildings against Fire) was divided into two, one division for
the towns, and one for the rural districts.
This institution, which is under government management, and
is wholly mutual, has taken over most of the building insurance
of the country, and at the end of 1898, its liabilities amounted to
1094 million kroner, of which 736 million were in the town
division. Besides this large institution, there have been, since 1838,
when «Det norske brandassuranceselskab paa varer og effekter»
(the Norwegian Company for the Insurance of Goods and Chattels
against Fire) — the first Norwegian company for the insurance of
movable property — was founded in Bergen, a small number of
Norwegian joint-stock insurance companies (at the close of 1898,
9 with a paid-up capital of about 5,640,000 kroner, and liabilities
to the amount of more than 600 million kroner), and in the ruraJ
districts a large number of small mutual fire insurance companies
(in 1895, 172 companies with total liabilities amounting to 301 million
kroner, of which about ⅔ is on buildings, and the remainder on
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